Reason chip cards aren't stopping fraud exposed

Those Chip-style credit cards are doing more than backing up checkout lines. They're forcing thieves to change their game.

As frustrating as the chip-cards are, they work. But, credit card fraud is still increasing. A new report from Javelin Strategy & Research finds that identity fraud has increased by 16% over the last year.

According to Visa, the use of Visa chip cards nearly doubled over the same period of time. So why are people still getting ripped off? Because scammers are moving online.

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Cybersecurity tips

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Cybersecurity tips

KEEP YOUR PASSWORDS STRONG AND VARIED

If your password is easy for you to remember, then it'll be easy for hackers, too. Try using symbols, numbers and capital letters throughout your passcode. Also, experts suggest you use different passwords for different accounts.

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EMPLOY TWO-STEP AUTHENTICATION

Add another layer of security by having another code sent to your phone number before you can sign in.

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BEWARE OF PUBLIC WIFI

If you're traveling, verify with the coffee shop or hotel that the wi-fi name is valid -- many cybercriminals set up networks with similar names to popular spots. You can also set up a private VPN that encrypts all of your data that passes through the network.